Initial disclosure Document

The FCA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.

2. Whose products do we offer?

Life and Critical Illness Insurance

We offer life and critical illness products from a range of UK insurance companies and syndicates based at Lloyds of London

3. Which service will we provide you with?

Life and Critical Illness Insurance

You will not receive any advice from us; this is a non advised service. You will inform us of your requirements. We will not offer you any specific advice on the level of cover, the type of policy, nor the policy features you have requested. You will have already decided what cover is appropriate to your needs. We may explain the various policy terms, conditions and features to you, in order that you can make sure the policy meets your requirements, but we will not make a personal recommendation.

We will present to you the insurer(s) who have indicated that they are most likely to offer you the cheapest premium and who are most likely to accept your application for insurance. You can give us different selection criteria if you wish.

What will you have to pay us for our services?

Life and Critical Illness Insurance

No fee, we will receive commission from the provider.

A fee – where the insurance policy does not pay us a commission then we will need to charge you a fee.

You will receive a quotation which will tell you about all fees relating to any particular insurance policy before an application is made.

5. Who regulates us?

Life Insurance Help is a trading name of Platinum Financial Consulting which is Authorised and Regulated by the Financial Conduct Authority. Our FS Register Number is 227014.

Platinum Financial Consulting is permitted to advise on and arrange investments , mortgages and insurance products.

You can check this on the FS Register by visiting the FCA’s Website http://www.fca.org.uk/register/ or by contacting the FCA on 0845 606 9966.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Insurance

Insurance advising and arranging is covered for 90% of the claim, without any upper limit. ,

Further information about compensation scheme arrangements is available from the FSCS.

The Initial Disclosure Document was designed by the Financial Services Authority to help customers understand the services offered by companies.

Every company you deal with should have a similar document for you to consider. The Initial Disclosure Document is not just to be used by internet based companies, but by every company that is regulated by the Financial Services Authority.

The layout and design of the initial Disclosure Document is consistent for all companies, so that the customer can make easy comparisons.

Platinum Financial Consulting
The Old School House,
East End Road
Bradwell-on-Sea,
Essex, CM0 7PY